Remember that even a low transfer fee and friendly service with a home-based FFL often won’t trump a local store’s hours and overall convenience.
I’ve forgone kitchen-table FFLs who did free transfers because it was so painfully awkward. You’re in someone’s home or home “office” and your NICS check isn’t instant - or at least mine aren’t. Neither is my WI handgun background check. You sit around for 5 minutes. 15 . 30. 1 hour. Then you leave. Then you have to go back. The location might not lend itself to easy return trips or killing time like a gun shop in a city.
The last gun I bought from a home-based FFL took forever, but it was a more rare gun I wanted he was selling. His hours sucked. His location wasn’t convenient (comparatively). His office was tiny and I made the decision to wait on the check rather than drive too much extra to town and back or home and back. 45 minutes of godawfully painful chitchat interrupted by mind-numbing boredom.
At a local gun store where I live, if my check is delayed, there’s lots to do. Look at everything at the LGS. Go get a drink. Eat. Other shopping. Anything but stand there and wait.
I won’t use a home-based FFL unless it is 5 minutes from home or they have something I can’t get anywhere else.
If you have a a great location and nice setup akin to a decent LGS, you’ll be okay, but you’ll probably have to undercut the LGS’s transfer fee. But dont be surprised if people don’t want to sit at your kitchen table and chitchat and wait on a delay...
That’s just my opinion... I’m not exactly easy going with my expectations of business matters as a customer, but I’ll also gladly pay more for convenience and stellar service and I won’t worry about it.